312 S Harrison St, Covington, OH 45318 Property Records

Miami County property record for 312 S Harrison St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,705 sqft · built 1923
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$202,750 (Jan 2023)
Tax Bill	$1,871 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-005540`

Property Details

APN / Parcel Number

Primary APN	`H19-005540`
Alternative APNs	`080529.3-24-004-00` `H19SH017 01200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,705 sqft Living Area
1st Floor Area	1,786 sqft
Upper Floors Area	812 sqft
Basement Area	812 sqft
Unfinished Basement	812 sqft
Family Room	Family Room

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	126 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	225 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	312 S HARRISON ST
City	COVINGTON
State	OH
Zip	45318-1153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 434 47
Legal Subdivision	COVINGTON VILLAGE
Legal Lot Number	434
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2066
Census Tract	325000

Owner

Source: Miami County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	312 S HARRISON ST, COVINGTON, OH 45318-1153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Warranty Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Prior Sale	Aug 1, 1989 · Amount on Record
Deed Document Number	202344
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 3, 2023
Property Address	312 S HARRISON ST, COVINGTON, OH 45318-1153
Document Number	0000000044
Instrument Date	Dec 30, 2022
Instrument	2023OR-00044
Transaction Type	Transfer
Record Updated	Jan 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 E BROADWAY ST, COVINGTON, OH 45318-1606

Mortgage

Document Number	0000000045
Date	Jan 3, 2023
Instrument	2023OR-00045

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	312 S HARRISON ST, COVINGTON, OH 45318-1153
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021026
Date	Dec 6, 2021
Instrument	2021OR-21026

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 25, 2046

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	312 S HARRISON ST, COVINGTON, OH 45318-1153
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001494
Date	Jan 28, 2021
Instrument	2021OR-01494

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newberry Township
Municipality	Covington Village
Unified School District	Covington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,871.00 (-0.16%) Homeowner's exemption	$61,950 (+44.61%) Land $8,120 Building $53,830	$177,000 (+44.61%) Land $23,200 Building $153,800
2024	$1,874.00 (+3.25%) Homeowner's exemption	$42,840 (-) Land $8,820 Building $34,020
2023	$1,815.00 (-2.94%) Homeowner's exemption	$42,840 (-) Land $8,820 Building $34,020	$122,400 (-) Land $25,200 Building $97,200
2022	$1,870.00 Homeowner's exemption	$42,840 Land $8,820 Building $34,020	$122,400 Land $25,200 Building $97,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2017 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COVINGTON VILLAGE PWS serves 2,718 people · EPA ID OH5500112
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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